All Posts tagged car insurance

Top Bad Driving Habits to Avoid

Top Bad Driving Habits to Avoid

Avoid accidents and damage by adopting a safer driving style.

As motorists get used to the roads, their Driver’s Ed safety skills can start to slip. However, speeding and rolling through stop signs is never safe, no matter how experienced you are. In the U.S., there are an average of 35,000 deaths a year resulting from traffic accidents. As we all know, accidents don’t just happen; they are caused. While our cars are getting smarter, this doesn’t mean that the driver has to think less.

Avoid these bad driving habits that you may have fallen into:

Forgetting to use your turn signals: Your indicators are your only way to communicate with other drivers. Failing to use them can cause a rear-end collision, or cause someone to pass you as you’re about to turn.

Rubbernecking: You all know who you are… Slowing down to look at crashes or construction is not only dangerous but can also contribute to a chain reaction of slowed traffic. Keep your eyes on the road ahead so that you can stay alert to closed lanes or police officers directing traffic.

Hogging the left lane: The left lane is supposed to be the passing lane. If you’re cruising well below the speed limit in this lane, you may provoke other cars who are driving faster to pass dangerously on the right.

Speeding: Flying down the road is a quick recipe that will land you on the receiving end of a speeding ticket or in a serious car accident. Sticking to the speed limit will remedy this!

Running yellow (or red!) lights: This dramatically increases your chance of a crash! If the light turns yellow before you reach the intersection, it’s best not to risk it.

Distracted driving: Avoid texting, making phone calls, shaving, putting your makeup on, eating, drinking, and juggling while driving! Anything that distracts your focus from the road should be avoided at all costs.

Driving too fast for weather conditions: It’s just rained. The roads are slick with oil and water, yet drivers still feel that reaching 70 mph on city streets is a good idea. It’s not! Slow down to avoid skidding, spinning, and causing an accident.

Now that you know what bad habits to ditch, be sure to secure your auto insurance policy! At the Insurance Agency of Dean Davis, we’re dedicated to providing each motorist with car insurance that they can rely on! Serving Austin and neighboring cities in Texas, visit us today!

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Tailgating Safety Tips Everyone Should Know

Tailgating Safety Tips Everyone Should Know

Make the most of your next tailgate with these tips.

Tailgating is the best way to get the full football experience. Unfortunately, it can also open the door to certain risks. To reduce your risk of having to make an insurance claim this tailgating season, keep these tailgating safety tips in mind.

  • Have a designated sober driver to get you home from the tailgate. Keep in mind that just one alcoholic beverage can be enough to inhibit your driving ability.
  • Ensure all glass bottles and other hazards are not hiding under your tires before you drive away to prevent any damage to your vehicle.
  • Hide all of your valuables in the trunk of your car. Leaving all valuables at home will help to keep them even safer.

Before you head to the game, take a look at your auto insurance policy to ensure it will provide the coverage you need. If you do not already have comprehensive coverage, now is the best time to add the coverage option onto your policy. While your collision coverage will provide protection while you are traveling to and from the game, your comprehensive coverage will provide protection for any incidents that occur in the parking lot.

Comprehensive coverage, sometimes known as “other than collision coverage,” will provide protection for almost anything that goes wrong. If a football flies through your front windshield or your grill catches your car on fire, your comprehensive coverage will kick in to provide protection. Keep in mind that every policy is different, so make sure to talk with your insurance agent to see just how much protection you have.

When looking for the right car insurance policy to ensure you have the coverage that you deserve throughout football season, contact the independent insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas.

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What Home-Based Business Owners Need To Know About Car Insurance

What Home-Based Business Owners Need To Know About Car Insurance

Finding the right commercial auto insurance policy for your Austin, TX home business.

More and more people are starting their own home-based businesses, helping to change the way that the business world runs. Before you decide to open your own business at your house, it is important to make sure that you know what it means for your insurance coverage. Keep these commercial auto insurance for home businesses considerations in mind to ensure that you have the right amount of protection.

Many home-based business owners assume that their existing car insurance policy will provide coverage when they are using their car for business purposes. No matter if you are making deliveries or visiting clients, your current auto insurance policy will most likely not be able to provide any type of protection in case you are in an accident.

In some cases, you may be able to add a rider onto your existing auto insurance policy to provide coverage while using your car for work. However, this is typically only the case if you make the occasional delivery or client visit. If your vehicle is a vital part of your business, such as if you run a shuttle service, you will need a specific commercial auto insurance policy.

If you are trying to sneak by without telling your insurance company about your home-based business, you may find yourself in even more trouble. If you make a claim to your personal auto insurance company and they find out that you were using your vehicle for business purposes, they may deny your claim, which can mean you will have to cover all of the damages out of your own pocket. They may also cancel your policy, leaving you without any type of coverage.

To ensure that you have the right commercial auto insurance policy for your home based business, contact the Insurance Agency of Dean Davis in Austin, Texas.

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Safe Driving Tips For Fall Roads

Safe Driving Tips For Fall Roads

Use these tips to stay safe on the fall roads.

Even though winter is still a ways away, the outside temperatures are continuing to drop for fall, leading to certain driving hazards that you should be aware of. Keep these autumn driving safety tips in mind to ensure that you can safely enjoy the season.

  • Fallen leaves can be much more dangerous than most people think. Wet leaves can turn into slimy patches that can be just as slippery as ice. Even dry crunchy leaves can be dangerous, as your catalytic converter can easily ignite them on a warm fall day.
  • If you are driving during the early morning hours, make sure to watch out for frost patches on bridges and in shady sections of the road.
  • Fall is the most active time of year for deer, meaning they are much more likely to make their way onto the road. Use extra caution when driving through areas that have a lot of trees and be ready to stop to prevent an accident with a deer.
  • The changing fall temperatures increase the chance of foggy mornings and evenings. If you are driving in foggy conditions, make sure to slow down and keep your headlights on.
  • The early sunset can create a blinding glare on your drive home to work. Make sure to keep your windshield clean so that you can see through the glare.
  • Kids are back in school and many more people are taking their exercise routine outside to enjoy the weather. Use extra caution and look out for kids, runners, and bicyclists when you are driving.

Having the right auto insurance policy in place can help to ensure that you are covered from any peril that you encounter on fall roads. Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your car insurance needs this season.

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Insuring A Teen Driver? Keep These Tips In Mind

Insuring A Teen Driver? Keep These Tips In Mind

Teens and Auto Insurance

Watching your teenager drive off for the first time after they get their driver’s license can easily make you very nervous as a parent. You may also be shocked when it comes time to pay your auto insurance premium. Since teens are considered high risk drivers, they have some of the highest car insurance rates. If you are looking for the best way to keep your teen driver protected without emptying your bank account, keep these considerations in mind.

  • Know when to add your teen to your policy – depending on your insurance company, your current auto insurance coverage may provide enough protection while your teen has their permit. You may only have to specifically add them to your policy once they pass their driver’s test. If you can, you may want to hold off as long as possible to add your auto insurance policy to help keep your rates low.
  • Know what to do if you forgot – different insurance companies will automatically add your teen to your auto insurance policy when they get their license, which means that they will be covered if they have an accident. To ensure that you are safe and your claims will not be denied, make sure to call your insurance agent as soon as your teenager gets their license.
  • Consider their own policy – instead of adding your teen to your existing policy, you have the option to put them on their own policy. While this will keep the cost of your coverage low, it will make their policy very expensive since they cannot take advantage of any of the discounts that you have. Ask your insurance agent what the rates will be with both options to decide which is best for you.

Contact the Insurance Agency of Dean Davis  in Austin, Texas for all for all of your auto insurance needs for your teen driver.

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